I'd buckle down and apply every saved dollar to the lowest balance business credit card, then the next until all 3 are gone. 

Since you intend to wholesale you'll either have to use cash, or maybe get an advance from a credit card or business loan to cover your EMD.2.

When all the interest rates on my lines of credit, credit cards and everything else went way up at once I wasnt happy either. lol

My wife will have all of her credit card debt paid off by July. 

I’ll reach out to some hard money lenders and definitely look into the FHA 203k Another option that I was recommended by my hard money lender today- was to open a business credit card for smaller loan amounts.

I would  give them a gift card or similar if they stay for the repair.

I remember when this guy knocked on the door of a foreclosure I was selling and handed me a card indicating he was selling roofing. 

At least that's what you would do if theses were credit cards?

The questions that I would ask as a private lending partner would be as follows:o Are you a foreign national of the United States or do you have a green card (permanent resident alien)?

Having a completely separate credit card just for this purpose, and even if you don't go for a specific software yet, since you are still on your first building, actually being diligent about tracking in a spreadsheet will set you up for success.